CITIBANK FIXED RATE MORTGAGE

Feel certain with a fixed rate home loan.

Powered by Citi.

Feel certain with a fixed rate home loan. Powered by Citi.

Protecting your peace of mind.

A Citibank Fixed Rate Mortgage allows you to maintain full control and peace of mind. Your interest rate stays fixed, which means your repayments stay the same each month, giving you peace of mind and the ability to budget.

We fix the interest rate at the time of application for a period of 60 days, giving you plenty of time to get your application approved, without having to worry about any rate rises that may occur in between. And, we allow you to make additional payments of up to $1,000 per month without penalty, so you can move forward on your repayments while your rate remains the same.

Benefits

With a Citibank Fixed Mortgage you can enjoy:

  • A fixed rate, keeping you in control of your repayments.
  • A free 60-day rate lock1, fixing your rate from application for up to 60 days.
  • Making additional payments of up to $1,000 per month without penalty2.
  • A wide variety of fixed terms, from only six months3 to five years.
Features

Features

Interest rate Fixed
Minimum loan amount $50,000
Maximum loan amount $4 Million
Loan term Maximum 30 years
How much of property value can I borrow? Up to 90% LVR4
Option of Interest-only repayments? Yes - for a maximum of 5 years
Additional repayments Break charges apply for any additional repayments greater than $1,000 per month2
Redraw Not available for fixed portion of your loan
100% Offset option No
Split accounts Yes - up to 4 accounts with a minimum split amount of $20,000 per account
ATM and cheque book access No
Loan combination / splits Standard Fixed can be combined with Standard Variable and / or Mortgage Power, or our Basic Mortgage
Can I increase my loan amount? Yes - Learn more
Fees and charges Learn more (Adobe PDF, 37kb)
Loan Portability Yes - you can transfer your loan to a different property
Loan Protection Insurance Yes - Learn more
Application Fee $399
Annual Package Fee $0
Settlement Fee $250
Account Keeping Fees $8 p/m per account

Getting started.

If you're the kind who prefers peace of mind, from application to approval and beyond - stay in control with fixed rates, and set repayments with a Citibank Fixed Rate Mortgage.

  • Contact Us

    • Find a Mortgage Specialist near you
    • New Customers, call us on 1300 361 922
      (Mon to Fri, 9am to 5pm AEST)
    • Changes to your Home loan, call us on
      1300 131 127 (Mon to Fri, 9am to 5pm AEST)
    • Contact your mortgage broker.
  • Citibank Mortgage Plus. For a great low rate.

Terms and Conditions:

All loans and securities are subject to Citigroup's credit criteria. Establishment and, where applicable, legal fees apply. Terms and conditions apply and are available on request. Fees and charges apply.

^^ Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

  1. Fixed rates quotes are held 60 days from the day the application is submitted. If settlement occurs after the 60 days, the prevailing fixed rate will apply.
  2. Without penalty, customers can make additional repayments of up to $1,000 per month or increase their regular repayments by up to $1,000 per month. 1% cash handling fee may be applicable for cash deposits over $500 at National Australia Bank.
  3. Not available on Self-Certified loans.
  4. Rates quoted are subject to having Lenders Mortgage Insurance. Lenders Mortgage insurance is insurance that protects the financer in the event of default on home loan payments. It is available up to LVR 90% (inclusive of Lenders Mortgage Insurance premium). Conditions apply.
  5. Not available on Self-Certified loans.

© 2013 Citigroup Pty Limited, ABN 88 004 325 080, AFSL 238098, Australian Credit Licence 238098. Citibank, and Citi Arc design are service marks of Citigroup Inc.